Business Overview

1. Executive Summary

Every business with customers holds an untapped credit opportunity. But the gap between "having a customer" and "offering them credit" is usually filled by a large technical team, twelve to eighteen months of development, and heavy operational risk. Tivani removes that gap.

Tivani is comprehensive credit and lending infrastructure as a service — a platform covering the entire credit lifecycle: from product design and credit assessment to servicing, collections and settlement. Any organization can launch its own branded, white-label credit service in weeks — not years — on its own encrypted infrastructure, without its customers’ data going anywhere.

2. Why Now? — The Market Problem and the Window of Opportunity

Three simultaneous forces have brought demand for embedded digital credit to boiling point: inflationary pressure that has weakened the purchasing power of cash, the growing consumer expectation of "buy now, pay later," and the maturity of digital payment infrastructure. An organization launching its credit service today gains a first-mover advantage; one that starts a year from now will compete in a saturated market.

But four barriers stop most organizations

• Cost and time to build: Building a credit core from scratch requires a multidisciplinary expert team and 12 to 18 months — before a single unit of revenue is produced.
• System fragmentation: Credit assessment, origination, servicing, collections and reporting are usually carried out in separate tools — without integration and with a high human error rate.
• Data sovereignty concerns: Large organizations and financial institutions cannot place their customers’ data on a third party’s server — neither for regulatory reasons nor out of trust.
• Vendor lock-in: Traditional solutions trap the customer in a technical cage; every small change demands months and cost.

The size of the opportunity

3. The Solution: How Tivani Works

Tivani is a three-layer, API-first financial infrastructure. Each organization works with the platform through three separate panels — and end users receive a seamless experience under that same organization’s brand.

Five wallets — which one is for you?

Risk model: secured and unsecured users

• Secured user: Their credit is guaranteed by an underwriter or a trusted authority — minimal default risk.
• Unsecured user: They access credit after passing an identity-verification and credit-assessment path approved by the organization. The verification and assessment processes are modular and configurable to each business’s needs.

4. The Core Differentiator: Intelligent Credit Scoring Engine

What separates Tivani from a mere "loan management system" is its credit decision engine — which, in a fraction of a second, produces an explainable credit decision from hundreds of parameters, without slowing the user experience.

5. Business Model — How It Creates Value for You

Tivani is not merely a cost; it is a revenue engine. The pricing model is designed so your cost aligns with your success: a fixed base subscription and a declining transaction fee.

For international markets, a currency equivalent is also defined (Starter from $1,490 and Scale from $2,990 monthly). The fee model is discretely tiered: each tier’s rate applies to the total monthly volume — transparent and predictable.

Collaboration models

6. Why Tivani — Not In-House, Not the Competitors

• 1. Data sovereignty: Encrypted On-Premise deployment. Your customers’ data never leaves the organization’s server — a direct answer to the most important regulatory and trust concern.
• 2. Speed: From signed contract to first live transaction, weeks — without hiring a new technical team or building infrastructure.
• 3. Automation: Zero manual processes in the credit lifecycle: assessment, origination, reminders, collections — all automated.

7. Proven in Practice — Use Cases and Real Results

Tivani is not an idea on paper. The platform is already operational, live across several different industries. To preserve client confidentiality, names are not disclosed.

Example: dental credit

• Challenge: A lendtech in the health sector wanted to launch a dedicated BNPL system for a dental network — without a large technical team.
• Solution: Deployment of Tivani as white-label. A non-cash credit wallet for paying for services within a defined merchant network, together with credit secured by an investment portfolio.
• Result: More than 12,000 monthly active patients — with a fee mechanism designed to keep unit economics positive, and without a large operational team on the client side.

8. Why Noyan Fintech? — A Dependable Partner

Entrusting critical financial infrastructure to a partner is a major decision. Three reasons make Noyan a confident choice:

1. A product matured in the market

Tivani was not built overnight. Its path began with a focused product (salary advance) and, after years of learning in the real Iranian market, pivoted to a comprehensive PaaS platform. That means every capability has been tested in practice — not merely on a slide.

2. Proven technical depth

The system is built on a modern CQRS, Domain-Driven Design, Event Sourcing and Saga-pattern architecture, and is aligned with twelve international financial standards (including ISO 20022, PCI DSS, ISO 27001, Basel III and GDPR). This depth has been measured in independent technical evaluations by professional teams.

3. Team and backing

9. Next Step — Starting the Partnership

The starting path is designed to be fast and free of unnecessary complexity. The Tivani team is with you from the first meeting through to operational launch.